. >> charlie: does that mean that tark it and wal-mart love you? >> well, we're increasingly partnering with retailers to help them because retailers recognizing that they've got to reach consumers online, on mobile devices and on the web. >> charlie: they need you because you have that many people depending on you through your own mobile, through your own applications and software. >> and our technology platforms. pay pal is a technology platform that enables you to pay online on a mobile device or in the store. pay pal is going to be a mobile technology where the notion of your physical wallet is going to seem like an arcane thing three or four years from now. you're going to upload all those cards in your pay pal wallet. you'll be able to pay whether you're in a store or on a mobile app or at home on the couch. pay pal will enable that. >> charlie: pay pal has interested me because of the number of people who came out of that to go and do really great things in the text sphere. those guys who were founders of pay pal have gone on to do other int